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Orrstown Financial Services ORRF Q4 2025 Annual earnings

Reported January 27, 2026 · After market close

Revenue$64.9MBeat by $973.0K
EPS$1.11Beat by $0.03
Revenue estimate$64.0M
EPS estimate$1.08

Next report

Oct 20, 2026 (in 2 months)
Revenue estimate$66.1M
EPS estimate$1.10

Financials

Q4 2025

Income statement

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Revenue$64.9M+5.0%
Net income$21.5M+57.1%
EPS (diluted)$1.11+29.1%

Balance sheet

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Cash & equivalents$149.8M-39.8%
Total debt$15.0M+2.7%
Total equity$591.5M+14.5%
Total assets$5.5B+1.8%

Cash flow

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Operating cash flow$16.5M+97.2%
CapEx$624.0K-44.2%
Free cash flow$15.9M+119%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$690.65M-2.7%
Enterprise value$555.9M+16.9%
P/E8.5×-23.6×
P/S2.7×-0.9×

Profitability

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Net margin32.1%+20.6pp
FCF margin28%+10.6pp

Returns & leverage

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Return on equity14.6%+9.0pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$62.7MMiss by $1.4MQ1 2026$64.6MBeat by $1.8M
Q4 2025$64.9MBeat by $973.0K
Q4 2024$90.5M

Diluted EPS

Q2 2026$1.09Beat by $0.06Q1 2026$1.12Beat by $0.07
Q4 2025$1.11Beat by $0.03
Q4 2024$0.71

FAQ

When did Orrstown Financial Services report Q4 2025 earnings?
Orrstown Financial Services (ORRF) reported Q4 2025 earnings on January 27, 2026 after market close.
What were Orrstown Financial Services's Q4 2025 revenue and EPS?
Orrstown Financial Services reported revenue of $64.9M and eps of $1.11 for Q4 2025.
Did Orrstown Financial Services beat estimates in Q4 2025?
Revenue beat the consensus estimate of $64.0M by $973.0K. EPS beat the consensus estimate of $1.08 by $0.03.
How did Orrstown Financial Services's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 28.2% from $90.5M a year earlier and eps grew 56.6% from $0.71.
Where can I find Orrstown Financial Services's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-003716) and the 10-K periodic report (0001628280-26-017278) directly on SEC EDGAR. The filing index links above go to sec.gov.